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The 10 Best Home Care Agencies for Seniors in Middleton, MA for 2024

Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Middleton, MA, residents and their loved ones rate In Home Care agencies across the 35 options below.

Home Care Services in Middleton, Massachusetts

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On this page:

  • Home Care Services in Middleton, Massachusetts
  • Paying for Home Care in Middleton, MA
  • Financial Assistance for Home Care in Middleton, MA
  • Middleton Home Care Resources
  • Determining Your Loved One’s Need for In-Home Care
  • Guidelines for Talking About In-Home Care

Paying for Home Care in Middleton, MA

The Cost of Home Care in Middleton, MA

According to the 2021 Genworth Cost of Care Survey, home care in Middleton will cost residents an average of $6,292 per month, which is $381 higher than the Massachusetts average and $1,335 higher than the national average. Middleton costs are $381 less per month than costs on Cape Cod, but they are a bit more expensive than home care costs in Worcester. For the most budget-friendly home care option, head towards the western side of the state, where home care in Springfield costs $953 less per month.

Middleton

$6,292

Massachusetts

$5,911

The United States

$4,957

Barnstable

$6,673

Worcester

$5,720

Springfield

$5,339

Manchester, NH

$6,149

The Cost of Home Care vs. Other Senior Care Options in Middleton, MA

The cost of home health care is very close to the cost of home care, although the former provides skilled nursing, such as wound care and IV medication administration. At a cost of around $50 per day, adult day health programs are the lowest price option for elder care. Seniors unable to live at home should consider assisted living, which costs $527 more than home care, or a nursing home, which can cost twice as much. 

Home Care

$6,292

Home Health Care

$6,244

Adult Day Health Care

$1,614

Assisted Living

$6,819

Nursing Home Care (semiprivate room)

$13,155

Note: Data for Middleton was unavailable, so data for the nearest city, Boston, was used instead.

Financial Assistance for Home Care in Middleton, MA

Given the high cost of in-home care, many people use one or more forms of financial assistance to cover the expenses. Below, we explain some of the most common sources of financial help for paying for in-home care. If none of these options are available to you, you can reach out to your Area Agency on Aging or Aging and Disability Resource Center to learn about local resources.

  • Long-Term Care Insurance: Long-term care insurance covers expenses related to senior care, including in-home care. Depending on the policy type, beneficiaries may receive a cash payment to use towards long-term care or reimbursement for qualifying long-term care expenses. Note that there are limitations- typically a maximum benefit of $150 per day- and exact coverage terms vary depending on the exact policy, so always check the details.
  • Medicare: Medicare does not cover in-home care because it is classified as custodial, or non-medical, care. However, some Medicare Advantage and Medicare Supplement plans, which offer expanded benefits, may cover in-home custodial care.
  • Medicaid: Medicaid coverage of in-home care varies between different states because it is not a federally mandated benefit. Currently, all states cover some in-home care either through their standard Medicaid or a waiver program. The specific coverage rules are set individually by each state.
  • Veterans’ Benefits: The Aid and Attendance benefit is a monthly cash payment that beneficiaries can use to pay for senior care, including in-home care services. To qualify for A&A, Veterans must already receive the VA pension and meet several additional requirements, including needing assistance with the activities of daily living. Contact the Department of Veterans Affairs to learn more.
  • Reverse Mortgages: Home Equity Conversion Mortgages (HECMs) are federally insured loans that are available to homeowners age 62 and over. Reverse mortgages allow you to access a portion of your home’s equity in cash, tax free. Many seniors use reverse mortgages to finance their care expenses, including in-home care. Note that although there are no monthly payments due on reverse mortgage loans, borrowers do have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.

Middleton Home Care Resources

Home care services are only one of the pieces needed for seniors to gracefully age in place. There are many services and programs that are low-cost or free, that enable seniors to enjoy an independent lifestyle in the comfort of their own home, such as help with home modifications, meal delivery services, and more. Below, we’ve compiled a few of the most helpful resources in Middleton:

ResourceContactAddressService
Low Income Weatherization Assistance Program (WAP)(617) 573-1100100 Cambridge St., Suite 300, Boston, MA 02114Senior homeowners in Middleton can get assistance weatherizing their homes for free through the Low Income Weatherization Assistance Program (WAP). This program provides free home inspections and energy saving recommendations for local seniors, as well as no-cost work from licensed local contractors to install new insulation, windows and doors.
Home Modification Loan Program (HMLP)(617) 204-3600600 Washington St., Boston, MA 02111Seniors in Middleton may be eligible for subsidized home improvement loans from the Home Modification Loan Program (HMLP). HMLP works through authorized banks to provide 0% interest loans for eligible seniors whose homes need repairs or upgrades. Seniors applying for the program must meet income and asset requirements to be eligible for a loan.
Low-Income Home Energy Assistance Program (LIHEAP)(617) 573-1100100 Cambridge St., Suite 300, Boston, MA 02114Low-income seniors in Middleton may be able to get significant discounts on their monthly home heating and cooling costs by signing up for the Low-Income Home Energy Assistance Program (LIHEAP), which is also known as the Fuel Assistance Program. Seniors who meet the income and asset requirements to be eligible for LIHEAP may save up to 30% on their utility bills.
Family Caregiver Support Program(617) 727-7750One Ashburton Pl., Floor 5, Boston, MA 02108Middleton seniors aged 55 and over can get support for living independently at home from the Family Caregiver Support Program. This program provides in-home caregiver assistance that can help local seniors live safely and comfortably in their own homes, as well as continuing training and education for caregivers enrolled in the program. The Caregiver Support Program also helps seniors raising their grandchildren obtain state and federal benefits, along with education and nutritional support for families in need that are led by seniors.
Neighbors in Need(978) 685-832160 Island St., Suite 214-East, MA 01840Seniors in Middleton can get no-cost nutritional support from the Essex County nonprofit Neighbors in Need. Neighbors in Need operates 13 food banks in the area in and around Middleton that provide necessary nutritional support to over 750 families and seniors a week. Neighbors in Need also helps seniors obtain free and reduced cost personal care items.

Determining Your Loved One’s Need for In-Home Care

Aging can be a difficult process, and loved ones may not always ask for help – often times it’s up to their family to evaluate their need for help around the house. While no two situations are exactly alike, this checklist can help you and your loved ones determine when it’s time to start the search for a home care provider.

Download
Checklist for determining the need for in-home care
Checklist for determining the need for in-home care

Guidelines for Talking About In-Home Care

If you’ve determined that your loved one needs the assistance of a care provider in their home, it may be time for a difficult conversation. Handled correctly, however, this process can bring a family together and ensure that everyone’s concerns are addressed. Use this PDF as a starting point to help the conversation stay as positive and productive as possible.

Download
Talking with family and others about a loved one's needs
Talking with family and others about a loved one's needs

In Home Care near Middleton, MA

HathorneNorth ReadingDanversLynnfieldTopsfieldBoxford

Other Options in Middleton, MA

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Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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